doubt - hdfc credit card upgrade fee

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I have moneyback card – In my upgrade section,
it shows eligible for “Visa Sign Regalia Intrl”
and below it, it says “Annual membership fee : 0.0 "
what it means life time free ?

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Solution: not lifetime free. Only first year free.
Also for address change, need to write a letter and post them by requesting. In this 21st century.

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